• Title/Summary/Keyword: auto insurance

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System Dynamics기법을 이용한 On-line 자동차 보험의 성장 예측

  • Myeong, Seong-Su;Park, Myeong-Seop
    • Proceedings of the Korean Operations and Management Science Society Conference
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    • 2006.11a
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    • pp.196-200
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    • 2006
  • 인터넷의 보급으로 인해 Tele Marketing과 Direct Marketing을 주로 하던 보험업의 시장 환경은 on-line판매라는 새로운 판매 채널을 크게 변하였다. 보험업의 경우 인터넷의 도입으로 인해 보험소비자는 가격 및 상품 정보를 보다 쉽게 획득할 수 있고, 비교 견적을 통하여 자신에게 보다 합리적인 의사결정을 할 수 있다. On-line 환경의 급진전에 따른 자동차 보험시장에서 후발주자에 해당하는 on-line 자동차 보험 회사의 급격한 고객 확대는 주목할 변화이다. 따라서 off-line 보험시장을 대체할 수 있는 on-line 보험의 성장 가능성 예측이 중요하다. 본 연구에서는 on-line 자동차 보험사에 대한 분석과 통계자료를 바탕으로 시스템 다이내믹스 기법을 이용하여 on-line 자동차 보험의 성장에 대해 분석 해 보았다.

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Analysis of Criteria Regarding Frontal and Side Impacts of Wheelchair Occupant in Vehicle by Computer Simulation Method (컴퓨터 시뮬레이션 방법을 이용한 휠체어 탑재 차량의 전방/측방충돌 시 휠체어 탑승자의 위험도 분석)

  • Kim, S.M.;Lee, M.P.;Park, S.Y.
    • Journal of Biomedical Engineering Research
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    • v.27 no.6
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    • pp.365-369
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    • 2006
  • According to the IIHS (Insurance Institute fur Highway Safety), side impacts are made up 30% of all accidents (reported 1998). In the case of auto accidents, head and neck injuries were most common as 58%, injuries to the body's trunk equaled 32%, and injuries to the abdomen were 21%. Therefore in this study, injury of wheelchair occupant in frontal and side impact of wheelchair loaded vehicle was analyzed using computer simulation method. The occupant was restrained at the rear of wheelchair by the lap belt. The detailed fixation and restrain conditions of the wheelchair occupant are referred to SAR J2249's recommendation. We estimated HIC(Head Injury Criteria) and HNIC (Head and Neck Injury Criteria) based on measured data.

The Importance and Utilization Plan of Database Based on Actual Accident Investigation System in Korea (한국형 자동차사고 심층조사 자료의 필요성 및 활용방안)

  • Lee, Hee Young;Lee, Kang Hyun;Kim, Oh Hyun;Youk, Hyun;An, Gyo Jin;Kong, Joon Seok;Kang, Chan Young;Choo, Yeon Il;Kim, Ho Jung;Kim, Sang Chul
    • Journal of Auto-vehicle Safety Association
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    • v.11 no.3
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    • pp.43-47
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    • 2019
  • Developed countries are operating an in-depth database in motor vehicle crashes nationwide. They do not rely solely on the police investigation reports that are responsible for motor vehicle crashes in each country but are developing into a useful database by expanding the categories of data through more indicators addition. In Korea, after implementing comprehensive measures to reduce traffic accident deaths in 2013, the medical centers participated in establishing the actual accident investigation system, which was called as the Korean In-Depth Accident Study (hereinafter KIDAS). This KIDAS database included more in-depth indicators as the types of accidents, types of vehicles, the injury severity, adequacy of safety devices, seating position of passengers. Although there are difficulties in establishing an actual accident investigation system including data collection due to various restrictions, if the system can cooperate with each other such as medical centers, insurance companies, police, fire and rescue services, towing companies, and car repair shops in the future, It would be expected to contribute to the development of safer vehicle, treatment system and traffic safety policy that lower the injury severity of occupant in the event of a motor vehicle crashes.

Analysis for Traffic Accident of the Bus with Advanced Driver Assistance System (ADAS) (첨단안전장치 장착 버스의 사고사례 분석)

  • Park, Jongjin;Choi, Youngsoo;Park, Jeongman
    • Journal of Auto-vehicle Safety Association
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    • v.13 no.3
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    • pp.78-85
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    • 2021
  • Recently a traffic accident of heavy duty vehicles under the mandatory installation of ADAS (Advanced Driver Assistance System) is often reported in the media. Heavy duty vehicle accidents are normally occurring a high number of passenger's injury. According to report of Insurance Institute for Highway Safety, FCW (Forward Collision Warning) and AEB (Automatic Emergency Braking) were associated with a statistically significant 12% reduction in the rate of police-reportable crashes per vehicle miles traveled, and a significant 41% reduction in the rear-end crash rate of large trucks. Also many countries around the world, including Korea, are studying the effects of ADAS installation on accident reduction. Traffic accident statistics of passenger vehicle for business purpose in TMACS (Traffic safety information Management Complex System in Korea) tends to remarkably reduce the number of deaths due to the accident (2017(211), 2018(170), 2019(139)), but the number of traffic accidents (2017(8,939), 2018(9,181), 2019(10,095)) increases. In this paper, it is introduced a traffic accident case that could lead to high injury traffic accidents by being equipped with AEB in a bus. AEB reduces accidents and damage in general but malfunction of AEB could occur severe accident. Therefore, proper education is required to use AEB system, simply instead of focusing on developing and installing AEB to prevent traffic accidents. Traffic accident of AEB equipped vehicle may arise a new dispute between a driver's fault and vehicle defect. It is highly recommended to regulate an advanced event data recorder system.

Case Study on the Time Zero (T0) of Event Data Recorder (사고기록장치의 기록 시점에 대한 사례연구)

  • Jongjin Park;Jeongman Park;Jungwoo Park;Byungdeok In
    • Journal of Auto-vehicle Safety Association
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    • v.15 no.2
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    • pp.35-41
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    • 2023
  • On December 19, 2015, as Article 29-3 (Installation of Accident Recording Devices and Provision of Information) of Motor Vehicle Management Act came into force, In Korea, the EDR (Event Data Recorder) reports are often used for the analysis of various traffic accident cases such as multiple collisions, traffic insurance crimes, and sudden unintended acceleration (SUA), and the others. So many investigators have analyzed the driver's behavior and vehicle situation by comparing the time zero in the EDR report to the actual crash time in dash-cam (or CCTV). Time zero (T0) is defined as the reference time for the record interval or time interval when recording an accident in Article 56-2, Enforcement rule of Performance and Standard for Automobile and Automotive parts. Also in the EDR report, time zero (T0) is defined as whichever of the following occurs first; 1. "wake-up" by an air-bag control system, 2. Continuously running algorithms (by monitoring of longitudinal or lateral delta-V), 3. Deployment of a non-reversible deployment restraint. We have already proposed the "Flowchart & Checklist" to adopt the EDR report for traffic accident investigation and the necessity of specialized institutions or courses to systematically educate or analyze the EDR data. Therefore, in this paper, we report to traffic accident investigators notable points and analysis methods based on some real-world traffic accidents that can be misjudged in specifying time zero (T0).

An In-depth Analysis of Head-on Collision Accidents for Frontal Crash Tests of Automated Driving Vehicles (자율주행자동차 정면충돌평가방안 마련을 위한 국내 정면충돌사고 심층분석 연구)

  • Yohan Park;Wonpil Park;Seungki Kim
    • Journal of Auto-vehicle Safety Association
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    • v.15 no.4
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    • pp.88-94
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    • 2023
  • The seating postures of passengers in the automated driving vehicle are possible in atypical forms such as rear-facing and lying down. It is necessary to improve devices such as airbags and seat belts to protect occupants from injury in accidents of the automated driving vehicle, and collision safety evaluation tests must be newly developed. The purpose of this study is to define representative types of head-on collision accidents to develop collision standards for autonomous vehicles that take into account changes in driving behavior and occupants' postures. 150 frontal collision cases remained by filtering (accident videos, images, AIS 2+, passenger car, etc…) and random sampling from approximately 320,000 accidents claimed by a major insurance company over the past 5 years. The most frequent accident type is a head-on collision between a vehicle going straight and a vehicle turning left from the opposite side, accounting for 54.7% of all accidents, and most of these accidents occur in permissive left turns. The next most common frontal collision is the center-lane violation by drowsy driving and careless driving, accounting for 21.3% of the total. For the two types above, data such as vehicle speed, contact point/area, and PDOF at the moment of impact are obtained through accident reconstruction using PC-Crash. As a result, two types of autonomous vehicle crash safety test scenarios are proposed: (1) a frontal oblique collision test based on the accident types between a straight vehicle and a left-turning vehicle, and (2) a small overlap collision test based on the head-on accidents of center-lane violation.

Study on the Market Segmentation of inpatients (입원환자 시장세분화에 관한 연구)

  • Lee, Eun-Whan
    • Korea Journal of Hospital Management
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    • v.17 no.2
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    • pp.21-33
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    • 2012
  • Purpose : This study aims to suggest application of patients DB to hospital marketing by performing market segmentation and selecting target market. Consequently help to establish suited strategy of marketing. Method : 14,072 patients hospitalized in a University Medical Center were recruited into this study. In order to classify the customer groups, cluster analysis was used with RFM(Recency, Frequency, Monetary) model, and 1-way ANOVA verified the differences among groups. And then, sociodemographical status, healthcare utilization and diagnosis(ICD-10) of each group were compared to draw a marketing strategy. Results : Four groups were classified through clustering analysis, and'high use and high profit' and'low use and high profit' groups were selected as a target market. The features of target market were as follows, the female proportion was high; used a private room; hospitalized through the emergency room; had operation; length of stay was long; had many comorbidity and cooperative treatment. There was difference in each feature of target market: as for the'high use and high profit' group, many patients were diagnosed with 'certain infectious and parasitic diseases'; and as for the'low use and high profit'group, the proportion of patients who purchased'industrial accident compensation insurance'and'auto insurance'was relatively high; many patients were diagnosed with'Injury, poisoning and certain other consequences of external causes'. Conclusion : It is needed to establish'positioning' strategy by monitoring and communicating with'high use and high profit' group. And for the case of'low use and high profit' group, it is necessary to make a follow-up management and lead them to have a medical check-up.

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Organizational Characteristics and Desired Quality Attributes of Enterprise Systems (조직 특성에 따른 기업 정보시스템 품질 속성 선호도 분석)

  • Cho, Woo-Je;Kim, Joung-Yeon
    • Asia-Pacific Journal of Business Venturing and Entrepreneurship
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    • v.7 no.1
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    • pp.145-151
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    • 2012
  • In this paper, we study the relationships between organization characteristics and desired software quality attributes of enterprise systems. We collected data from three client organizations in three different domains (auto manufacturer, insurance services firm, and government agency) that adopted enterprise software of the same software vendor. Our analysis discovers that capability is a more important attribute to the manufacturing and insurance firms than the government agency. Usability is ranked the highest among other attributes for the government agency and reliability for the manufacturing firm. The relationships identified in this study will help enterprise systems vendors predict their customer needs and, ultimately, increase effectiveness and efficiency in their software development processes. Such findings will be specially useful when software vendors develop enterprise software for a venture firm by enabling them to meet the customer needs customized by the organization haracteristics while staying within the incubating firm's limited budget.

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Systematic review of literature and analysis of big data from the National Health Insurance System on primary immunodeficiencies in Korea

  • Son, Sohee;Kang, Ji-Man;Hahn, Younsoo;Ahn, Kangmo;Kim, Yae-Jean
    • Clinical and Experimental Pediatrics
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    • v.64 no.4
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    • pp.141-148
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    • 2021
  • There are very scant data on the epidemiology of primary immunodeficiency diseases (PIDs) in Korea. Here we attempted to estimate the PID epidemiology and disease burden in Korea. A systematic review was performed of studies retrieved from the PubMed, KoreaMed, and Google Scholar databases. Studies on PIDs published in Korean or English between January 2001 and November 2018 were analyzed. The number of PID patients and the healthcare costs were estimated from Health Insurance Review and Assessment Service (HIRA) Korea data for 2017. A total of 398 PID patients were identified from 101 reports. Immunodeficiencies affecting cellular and humoral immunity were reported in 11 patients, combined immunodeficiency with associated or syndromic features in 40, predominantly antibody deficiencies in 144, diseases of immune dysregulation in 58, congenital defects of phagocytes in 104, defects in the intrinsic and innate immunity in 1, auto-inflammatory disorders in 4, complement deficiencies in 36, and phenocopies of PID in none. From the HIRA reimbursement data, a total of 1,162 outpatients and 306 inpatients were treated for 8,166 and 6,149 days, respectively. In addition, reimbursement was requested for 8,200 outpatient and 1,090 inpatient cases and $1,924,000 and $4,715,000 were reimbursed in 2017, respectively. This study systematically reviewed published studies on PID and analyzed the national open data system of the HIRA to estimate the disease burden of PID, for the first time in Korea.

Comparison of Clinical Outcomes in ACL Reconstruction using auto-Hamstring Tendon and allo-Tibialis Anterior Tendon (자가슬괵건 및 동종전경골건을 이용한 전방십자인대 재건술 후 임상적 결과의 비교)

  • Kim, Jae-Hwa;Lee, Yoon-Seok;Rhee, Seung-Yong;Chung, Ju-Hwan
    • Journal of the Korean Arthroscopy Society
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    • v.11 no.2
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    • pp.104-110
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    • 2007
  • Purpose: The purpose of this study is comparison of clinical outcomes in ACL reconstruction between auto-hamstring tendon and allo-tibialis anterior tendon. Materials and Methods: In this prospective study, we included 60 subjects who underwent ACL reconstruction using 30 hamstring autograft(mainly, national health insurance) and 30 tibialis anterior allograft(including MVA and industrial injuries) between May 2003 and June 2005 by a single surgeon, with a minimum follow-up of 12 months. Outcome measurements were the range of motion, the Lachman test, the IKDC score, the Lysholm score, KT-1000 arthrometer and one-leg hop test. Results: For all the cases, the range of motion was above 135 degrees. The Lachman test, KT-1000 arthrometer and one-leg hop test showed no significant difference between two groups. The IKDC score of auto-hamstring group($87.840{\pm}2.106$) was significantly higher than that of allo-tibialis anterior group($85.273{\pm}2.782$). The Lysholm score of auto-hamstring group($88.067{\pm}2.586$) was also significantly higher than that of allo-tibialis anterior group($85.300{\pm}3.030$). Conclusion: The results of ACL reconstruction using the auto-hamstring tendon and allo-tibialis anterior tendon showed no significant difference in objective items but auto-hamstring group showed better results in subjective scoring. This difference may result from individual factors such as economic problem, secondary gain.

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